프라이버시에 대한 감정이 프라이버시 보호 행동에 미치는 영향: 카드사 개인정보 유출사건을 중심으로

Due to the government's policy of vitalizing credit card use, it has become the most common payment method in Korea. Daily use of credit card and related information technologies raise the importance of protecting personal information. However, there happened a huge leakage of about 100 million personal information from three major Korean credit card companies in 2014. Despite such a serious information security accident, the “Take No Action” paradox, which does not comply with the privacy rules based on reasonable and rational judgment, is still prevalent. This study examines how consumers’ emotion toward privacy affects their information protection behavior. We also compare the effects of cognitive evaluation and rational calculation on behavioral intention and actual behavior. The results show that consumer's emotional and cognitive evaluation had a significant effect on their personal information protection behavior. This study contributes to extant literature by considering consumers’ emotional aspect of information security and empirically examining its effect on information protection behavior. This study also provides theoretical and practical implications by comparing and analyzing protection behavior between people who experienced personal information leakage and those who did not.